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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $233,317 | $73,978+215.4% | $96,515+141.7% | $75,173+210.4% |
| Participation rate | 31.3% | 66.4%-35.2pp | 74.3%-43.1pp | 67.2%-36.0pp |
| Annual return | 14.43% | 26.72%-12.3pp | 35.73%-21.3pp | 160.72%-146.3pp |
| Employer contribution / active EE | $3,018 | $2,931+3.0% | $3,740-19.3% | $2,671+13.0% |
| Participant deferral / active EE | $4,689 | $3,660+28.1% | $4,880-3.9% | $4,126+13.6% |
| Admin fee / account holder | $1,784 | $5,219-65.8% | $6,735-73.5% | $5,651-68.4% |